Sales Consultant, Auto Finance

AFFIN Group; Johor Bahru; On-site; MYR 150,000 - 200,000; Full time

Job summary

A leading financial institution in Johor Bahru is looking for a marketing professional to manage Hire Purchase financing products. Responsible for acquiring new dealers, maintaining relationships, and ensuring compliance with financial regulations. Ideal candidates should have a degree or diploma, strong interpersonal and communication skills, and knowledge of the Hire Purchase vehicle market. This role offers opportunities to make a difference in the finance industry.

Qualifications

• Degree, professional qualification or diploma required.
• Strong interpersonal skills and communication abilities.
• Knowledge of the Hire Purchase vehicle market is essential.

Responsibilities

• Market HP products and establish new dealer relationships.
• Achieve sales targets for Hire Purchase and cross-selling.
• Verify documents and conduct interviews with applicants.
• Ensure compliance with bank regulations and guidelines.

Skills

Self-starter

Team player

Strong interpersonal skills

Communication skills

Knowledge of HP vehicle market

Computer literate

Education

Degree / Professional / Diploma

Job description

Create your future with Affin! You too can make a difference.

Join us at AFFIN, where the open minds meet and be inspired by a shared commitment to great work. Here, you don’t just stay at the forefront of the industry – you can make a difference too.

Job Purpose

• Responsible for the marketing of Hire Purchase (HP) financing / loan products, acquiring HP sales, sourcing of new dealers and maintaining close business relationship with existing dealers, cross selling HP related products or Bank’s products.

Accountabilities

• Market HP products and tie‑up new dealers for the branch and maintain good business relationship with dealers.
• Meet sales budget on Hire Purchase and Cross Selling assigned with asset quality and a reasonable yield in mind.
• Ensure the completeness of documents submitted by dealers which include verifying documents against originals and witnessing the execution of loan documents.
• Conduct interview with applicants, inspect vehicles and visit site to verify business/house of applicant if required.
• Monitor market share with existing dealers and keep credit processing staff abreast with the current market trend.
• Keep abreast with the latest and applicable Bank and regulatory policies, guidelines, manuals and circulars and ensure that they are compiled at all times e.g. the Bank’s Credit Authority Framework, Bank’s Credit Instruction Circulars, the Bank’s Code of Ethics, BNM Responsible Financing Guidelines, BNM Product Transparency and Disclosure Guidelines, BNM Policy on Single Counterparty Exposure Limit, BNM Prohibited Business Conduct Guidelines, BNM Fair Debt Collection Practices, Financial Services Act / Islamic Financial Services Act 2013, Hire Purchase Act 1967, Personal Data Protection Act 2010, Anti‑Money Laundering Act 2001 etc.
• Ensure that data integrity and workflow / process requirements are met and timely submission of reports.
• Act as an authorized signatory.
• Undertake any other job functions as may be assigned by the Management from time to time.

Requirements

• Possess Degree / Professional / Diploma
• Self-starter and team player, strong interpersonal, communication (written and oral) skills and knowledge of the HP vehicle market
• Computer literate
• Own transport